Turnover
≈ €160,000 estimated
The micro format states no turnover.
XpertyS
Lifetime
1 annual account with figurespeak €53,128 (2025)
€53,128
peak €39,543 (2025)
€39,543
peak €42,043 (2025)
€42,043
€30,315
Board1 name since 2024
1 directorLAZOU Ilse Paula Marie-José
Documentsfilings and deeds
30-08-202630 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€2,500 100 shares
2025 accounts filed 30 days after the deadline
Checked score
96
Excellent
Financially stronger than 69% of micro companies in computing infrastructure and information services (NACE 63)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 2,947 companies (NACE 63, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 0.6%
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.7%▲ +0.1 percentage points vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.8%▲ +0.1 percentage points vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.9%▲ +0.1 percentage points vs 05-2026highest value
07-2026: 0.8%▼ -0.1 percentage points vs 06-2026
08-2026: 0.8%● unchanged vs 07-2026
09-2026: 0.1%▼ -0.7 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
lowers risk
Liquidity: current ratio 2.11, cash €63,323
Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
Equity €42,043 (58.1% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 63, micro). It does better than 54% of them on solvency, 68% on liquidity and 85% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as XpertyS has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of XpertyS itself is lower: 0.1% within 12 months. It rests on far more data about XpertyS than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for XpertyS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.11, above the usual 1.5. Short-term debt is 41.9% and cash 87.5% of total assets. 41.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 30 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
30 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014759065
Incorporation
Founding capital of €2,500, 100 shares · Founder: LAZOU Ilse Paula Marie-José · Appointment: LAZOU Ilse Paula Marie-José (director) · published on 09-10-2024 · Gazette deed
First establishment
Groenenbeemd 16, Mechelen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| XpertyS Mechelen | €72,357 | €53,128 | 58.1% | - |
| EVANRO Meerhout | €67,514 | €52,159 | 62.7% | - |
| SOLSTICE ENGINEERING Heist-op-den-Berg | €71,199 | €56,594 | 71.6% | - |
| Via Bart Consulting Antwerp | €76,631 | €45,367 | 66.3% | - |
| CeCe Consulting Grobbendonk | €67,456 | €47,527 | 63.2% | - |
| VESTIGIUM CONSULTING Waregem | €70,593 | €52,755 | 53.7% | - |
| BSK CONSULT Bertem | €69,003 | €55,917 | 51.7% | - |
These companies have the same main activity as XpertyS: other information service activities (NACE 63920). They are comparable in size and age: total assets between €67,500 and €76,600, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 07-10-2024Normal situation
- Activity
- Other information service activitiesNACE 63920and 5 others
- Establishment unit
- 2.364.884.8432801 Mechelen, since 07-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 28-10-2026
Insights on XpertyS
XpertyS has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42,043 and a net result of €39,543.
Its solvency ranks better than 53% of 2,301 sector peers (NACE 63, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about XpertyS
- What is the company number of XpertyS?
- The company number of XpertyS is 1014.759.065. The VAT number is the same number with BE in front: BE 1014.759.065.
- Where is XpertyS based?
- The registered office is at Groenenbeemd 16, 2801 Mechelen.Company details
- What does XpertyS do?
- According to the KBO register, the main activity is other information service activities (NACE 63920).
- What is the legal form of XpertyS?
- XpertyS is a private limited company (BV).
- When was XpertyS founded?
- XpertyS was founded on 07-10-2024.
- Is XpertyS still active?
- Yes, XpertyS is an active enterprise in the KBO register.
- What is the turnover of XpertyS?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €53,128 and 2,666 comparable companies of the same size. It probably lies between €110,000 and €280,000. It is a rough estimate.Financials
- Is XpertyS profitable?
- In financial year 2025, XpertyS made a profit of €39,543.
- Where can I find the annual accounts of XpertyS?
- XpertyS filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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